Description

This position will lead the end-to-end customer credit life cycle and support the success of the International Card Services business - Singapore, Customer Management and Thailand, through innovative solutions that help enable profitable growth while maintaining robust credit performance.

Responsibilities

. Own full accountability of end-to-end Customer Management credit risk management and Thailand for the consumer and commercial business

. Own risk outcomes and credit metrics

. Develop a thorough understanding of the expected and unexpected credit losses in the business and communicate them effectively to business leaders

. Focus on continuous improvement of credit risk management capabilities. Optimize integration and usage of capabilities and data such as consumer and commercial credit bureaus and financial statements. Continually explore and test new data sources.

. Ensure Risk Management capabilities are aligned with business strategy and strategic growth initiatives, including launch of new business practices, products and services

. Monitor economic performance across all risk decisions and partner with the Centers of Excellence to identify improvement opportunities.

. Develop / Deploy capabilities and strategies that enhance profitable growth in partnership with central risk teams and local operations.

. Ensure complete understanding of and adherence to local laws & regulations

. Have deep understanding of evolving regulatory environment with direct and indirect impact on the business and risk management.

. Have deep understanding of macro-economic and business environment with direct and indirect impact on business and risk management.

. Focus on talent development and team culture. Create a cohesive team in which all employees have well-defined roles with clear scope and distinct responsibilities

Qualifications

Relationship building / Communication skills:

. Proven experience or ability to build relationships with external and internal partners, compliance, finance, technology, legal, operations and risk management colleagues across multiple geographies in order to lead through influence

. Ability to influence outcomes/funding/focus/strategy for a business

Process/System knowledge:

Have a working understanding of relevant AXP systems to conduct account analysis and observe trends to identify areas of weakness, and direct credit action strategy.

A breadth and depth of content knowledge about AXP products, risk processes and capabilities.

Understands fully the economics of the business, net loss provision and the levers that can be used to affect economic outcomes.

Leadership/Organizational Awareness & Effectiveness:

. Proven ability to think and act at an enterprise level

. Proven ability to effectively lead and develop team of diverse backgrounds

. Proven ability to navigate and collaborate across different teams and organizations to get things done with a high sense of urgency

. Proven ability to assess internal/external factors and link together to develop appropriate business and risk management strategies and actions

. Proven ability to make quick but informed decisions without compromising quality

Technical Skills and Experience:

. 5+ years in an analytical role with people leadership experience

. Proficient in SQL and one of the following - Python/R/SAS Python preferred

. Experience in using credit bureau, financial statement, bank statement and AP/AR files in credit assessment

. Experience/Familiarity with Big Data and Machine Learning is preferred

. Bachelor's degree in Computer Science, Math, Statistics, Engineering, Economics or similar quantitative field of study preferred

. Advanced degree in Business, Finance, Statistics, Economics or Mathematics or equivalent experience in similar business is preferred

Director - Risk & Info Management